Fix Bad Credit and Remove Negative Items From Your Credit Report
Errors, old collections, and outdated negative marks can quietly cap your score for years. We dispute them with Equifax and TransUnion the right way, so your report reflects your real financial standing.
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Send us your situation and a credit specialist will walk you through what can realistically be disputed and removed.
Start My Free AnalysisWhat Is Credit Repair?
Credit repair is the process of reviewing your credit reports from Canada’s two bureaus, Equifax and TransUnion, and formally disputing anything that’s inaccurate, outdated, or unverifiable. A missed payment that’s actually yours generally stays on file, but errors, duplicate accounts, and old items reported past their legal limit can be challenged and removed.
A credit repair service isn’t magic and it can’t erase a genuinely accurate negative history overnight. What it does is put a trained set of eyes on your file, catch the mistakes most people miss, and push disputes through the bureaus and creditors correctly the first time, rather than the back-and-forth that trips up a lot of do-it-yourself attempts.
At Credit Repair Now, that means a full credit report review, a dispute strategy built around your specific accounts, and ongoing guidance so the progress sticks once the disputes clear.
What Causes Bad Credit?
Missed or late payments
Even one payment reported 30+ days late can knock down your score and stay on file for years.
High credit card debt
Running balances close to your limit raises your utilization ratio, one of the heaviest weights on your score.
Collections accounts
Unpaid bills sent to collections, sometimes for surprisingly small amounts, can sit on your report for years.
Bankruptcy or consumer proposal
Both are legal processes, but they carry a long reporting window that affects how lenders see you.
Identity fraud or reporting errors
Accounts that were never yours, duplicated entries, or a bureau’s own mistake can drag your score down for no fault of your own.
Joint accounts after divorce or separation
A shared credit card or loan can keep affecting your score long after the relationship, and the debt, has ended.
What Can And Cannot Be Removed From Your Credit Report
Common credit report items and their realistic dispute outcome
| Item | Can It Be Removed? | Why |
|---|---|---|
| Accounts that aren't yours (fraud/error) | Usually yes | Bureaus must remove information they can't verify as accurate |
| Duplicate collection listings | Often yes | The same debt reported twice can be disputed down to one entry |
| Outdated items past reporting limits | Yes | Most negative items must legally drop off after 6-7 years |
| Paid collections still marked unpaid | Usually yes | Status must be corrected to reflect the true account state |
| A genuinely missed payment | No | Accurate information can't legally be erased on request |
| Bankruptcy or consumer proposal record | No, until it ages off | Stays for a set number of years as required by law |
Any company promising to erase accurate negative history for a fee is making a claim it legally can’t keep. A legitimate service tells you upfront which items have a real shot and which ones simply need time.
How Credit Repair Works
Credit assessment
We pull and review both your Equifax and TransUnion reports to flag inaccurate items, outdated information, and high-risk accounts pulling your score down.
Dispute & investigation
We formally dispute inaccurate or negative items with supporting documentation, following up with bureaus and creditors until each claim is resolved.
Debt management guidance
We help you tackle the debt behind the score, from lowering credit utilization to exploring debt consolidation where it makes sense.
Ongoing support
Once disputes clear, we help you keep the score moving up and avoid repeating the same patterns that caused the drop.
DIY Credit Repair vs. a Professional Service
You are legally allowed to dispute your own credit report directly with Equifax and TransUnion at no cost, and plenty of Canadians do it successfully. A professional service earns its fee by doing it faster and catching more.
Comparing your options for fixing a credit report
| Approach | Cost | Best For |
|---|---|---|
| DIY dispute directly with bureaus | Free | One or two clear-cut errors, and time to follow up yourself |
| Professional credit repair service | From $100 | Multiple negative items, complex files, or limited time to manage disputes |
| Unregulated "credit repair loans" | Varies, often high | Generally best avoided; can add new debt without fixing the underlying issue |
Your Rights as a Consumer & Spotting Bad Credit Repair Companies
Canada’s credit bureaus are required to correct information that’s inaccurate once it’s properly disputed. That right is yours whether you use a company or not, and no legitimate provider charges you to simply exercise it. Watch for a few warning signs before signing anything:
- Any promise to erase accurate negative history or guarantee a specific score
- Pressure to pay large upfront fees before any work has started
- Vague answers when you ask exactly what will be disputed and why
- No clear explanation of your legal right to dispute directly with the bureaus yourself
Common Situations We Help With
No matter which of these applies to you, the approach is the same: an honest review of what’s actually on your file, then a plan for what can be disputed now and what needs to be managed over time.
How Long Does Credit Repair Take?
Typical credit repair timelines by situation
| Situation | Typical Timeline |
|---|---|
| One or two clear reporting errors | 2-4 weeks |
| Multiple disputed items across both bureaus | 1-3 months |
| Complex file with collections and disputes in progress | 3-6 months |
| Rebuilding after bankruptcy or a consumer proposal | 6-24 months of consistent habits |
Why Choose Credit Repair Now?
Fast results
Many clients see their first improvements within 30 days of starting.
Money-back guarantee
If we don’t deliver the results we outline, you get your investment back.
Transparent pricing
Plans start at $100 with a free credit analysis before you commit to anything.
Hassle-free process
We handle the disputes and paperwork; you focus on the rest of your life.
We don't just dispute items on a report. We help you build a credit history that holds up over time.
Ready to see what's really on your credit report?
Book a free, no-obligation credit analysis and find out exactly what can be disputed and how long it should take.
5 Ways to Boost Your Score While Disputes Are in Progress
1. Pay down revolving balances
Keeping credit card utilization under 30% can move your score within weeks, independent of any dispute.
2. Keep every bill current
New late payments while you’re repairing old ones will offset your progress.
3. Avoid new credit applications
Each hard inquiry shaves a few points off your score right when you need it steady.
4. Consider a secured credit card
A small security deposit lets you rebuild a positive payment history if your credit is currently too thin for a regular card.
5. Check both bureaus at least yearly
Equifax and TransUnion don’t always report the same information, so review both.
Frequently Asked Questions
Frequently Asked Questions About Credit Repair
What is credit repair?
Is credit repair legal in Canada?
How long does credit repair take?
Can all negative items be removed from my credit report?
How much does credit repair cost in Canada?
Will credit repair hurt my credit score?
Can credit repair help after bankruptcy or a consumer proposal?
How often should I check my credit report?
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